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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,935 | $86,919-71.3% | $102,457-75.7% | $80,911-69.2% |
| Participation rate | 60.3% | 72.4%-12.1pp | 76.5%-16.2pp | 67.6%-7.4pp |
| Annual return | 18.82% | 18.90%-0.1pp | 29.41%-10.6pp | 35.63%-16.8pp |
| Employer contribution / active EE | $909 | $2,368-61.6% | $3,022-69.9% | $2,756-67.0% |
| Participant deferral / active EE | $3,131 | $4,119-24.0% | $5,054-38.1% | $4,297-27.1% |
| Admin fee / account holder | $3,174 | $8,049-60.6% | $9,451-66.4% | $6,935-54.2% |